The purpose of this letter is to provide the captioned data calls as follows:

I.
Insurance Availability Survey

Pursuant to Section 308 of the Insurance Law, the Department conducts surveys on an annual basis to determine the state of markets for difficult-to-place or complex insurance coverages.

The survey methodology consists of a Microsoft Excel file that contains multiple worksheets. The survey format allows the Department to expeditiously compile insurer responses in a PC-based database.

We rely on insurers’ responses to the annual survey to obtain meaningful and timely information on insurance market conditions and trends. This is a dynamic survey; each year, we update the survey based upon the Department’s observations of an ever changing marketplace. As in past years, several types of coverage have been added, deleted, and consolidated in a manner that we believe will help you complete the survey quicker and more accurately. Please note that more extensive changes have been made this year (see “Index” tab of attached survey document “Report13.xls” for detailed descriptions of the changes).

The “Index” and “ReadMe” worksheets in the Excel file contain complete information on all additions and deletions, along with instructions for completing the survey correctly. In order that survey responses you provide reflect the most current information on market activity and availability of coverages, please be sure to follow the instructions carefully.

This year’s worksheets are available on the Property Bureau Data Calls page on the Department’s Web Site, located at http://www.dfs.ny.gov/insurance/datacall/datacal3.htm. Go to the appropriate link to access a copy of this letter and download the file from the link at the bottom of that page. If you are unable to download the file from the Web Site, you may send an e-mail message addressed to Khatune.Ghani@dfs.ny.gov to request that the files be provided you either by return e-mail or on a CD-R.

For risks/coverages that lend themselves to both commercial and personal lines underwriting, responses may reflect your writings on both bases.

All recipients of this letter must complete and return the survey. If an insurer has no data to report, a “Nil Report” should be returned.

It should also be noted that responses are not required regarding reinsurance. Licensees that only write reinsurance should submit a Nil Report (See ReadMe for specific instructions).

II. Annual
Free Trade Zone Report

Insurers that are licensed to write business
in the Free Trade Zone as provided in Insurance Law Article 63 are required, pursuant
to Section 308 of the Insurance Law and Regulation 86, to complete the worksheet(s)
that request information on Free Trade Zone business written during the most recent
calendar year.

Instructions for completing the Annual Free Trade Zone Report are contained in the 'ReadMe' documents in the worksheets.

III. Special Homeowners Insurance Supplement

All insurers that have direct written premiums for homeworners insurance must complete the "HO" worksheet that requests information on insurers' underwriting plans for homeowners insurance in New York in 2013. The responses to the Supplement will assist the Department in assessing market conditions and trends, in areas with the highest exposure to potential catastrophic losses. If the company has no homeowners direct written premiums, the "No" box should be checked on the "General Info" tab.

IV. Return of Responses

Your Insurance Availability Survey, Annual Free Trade
Zone Report and Special Homeowners Insurance Supplement should be accurately completed
in accordance with the instructions and transmitted to the Department via the
internet as an e-mail attachment, addressed to Khatune.Ghani@dfs.ny.gov, no later
than January 31, 2014, or you may submit the completed surveys by the above due
date on a CD-R to:

New York State Department of Financial Services
Property
Bureau - 6nd Floor ATTN: MARS-IAS
One State Street New York, NY 10004

It is not necessary to submit a hardcopy response. Please note that any
hardcopy survey responses submitted without the required formatting submitted
either as an e-mail attachment or on a CD-R will not be accepted.

Insurers'
accurate and timely responses are a key element in the Department's efforts to
cultivate and maintain market stability. Responses to the survey have proven to
be of great value in our efforts to help consumers and businesses find coverage
appropriate to their needs. Survey information has also been a helpful tool in
the Department's analysis of conditions and trends in the ever-changing insurance
marketplace. Past Survey results have enabled the Department, working with insurers
and producer organizations, to develop appropriate coverage sources in difficult
market environments.

Please note that we issue an updated format for the survey request each year. Insurers should not submit data prior to receiving the Department's survey call each year.

Your cooperation in promptly furnishing timely and accurate responses is essential to the success of this project. Insurers that fail to comply with this data call may be subject to fines in accordance with Section 308 of the Insurance Law.

Very
truly yours,

Maurice
Morgenstern

Deputy
Bureau Chief

Property
Bureau

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